10 Ways You Can Buy Car Insurance for Less in Harrisonville

Having to pay for overpriced car insurance can dwindle your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

There is such a variety of to buy insurance from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes on a regular basis since rates are constantly changing. Just because you found the best rates a few years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

Choosing the best insurance company for you in Harrisonville is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Although Missouri car owners do need to know the way companies sell online.

More discounts equal less premium

Companies don't always advertise all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

  • College Student - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online - A handful of insurance companies will give a small break for buying your policy over the internet.
  • Bundle and Save - If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • No Claims - Drivers who don't have accidents pay less as compared to drivers who are more careless.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Drive Less and Save - Fewer annual miles could qualify for better rates on cars that stay parked.
  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Own a Home - Owning a house in Harrisonville may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees - Active or retired federal employment may qualify you for a discount with select insurance companies.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

Harrisonville car insurance comparison

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to make the same claim about savings after switching your policy. How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards will have to pay more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

For more Missouri car insurance information

Even more information can be read at the Missouri Department of Insurance website. Consumers can read enforcement actions against agents and companies, get help finding coverage, read consumer alerts, and download brochures.

Affordable insurance is out there

As you shop your coverage around, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price.

The cheapest car insurance can be sourced from both online companies in addition to many Harrisonville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.